Bitwise Asset Management’s Chief Investment Officer, Matt Hougan, is reshaping perspectives on the crypto market by declaring the traditional four-year cycle obsolete. Institutional adoption, surging by 35%, is driving this transformation, alongside clearer regulations and evolving investment strategies.There is a transition of Bitcoin and Ethereum to future growth and has to do without speculative swings that are agreed upon based on events such as Bitcoin halvings. This change is generating interests among investors in pursuing the best crypto to invest in, to reap continuous returns. Mutuum Finance (MUTM) is emerging as a standout, offering a robust decentralized finance protocol. Currently in phase 6 of its presale, Mutuum Finance has raised $13,700,000 with over 655 million tokens sold, attracting 14,500 holders.Mutuum Finance Presale AcceleratesMutuum Finance (MUTM) is gaining traction in its presale phase 6, priced at $0.035 per token. This phase is selling out rapidly, signaling strong investor demand. The price has risen 250% from its initial $0.01 in phase 1, offering early buyers significant gains. Phase 7 is approaching, bringing a 14.3% price increase to $0.04, with the token set to launch at $0.06, guaranteeing a 71% return on investment. Analysts are forecasting a potential climb to $3 in 2025, promising a remarkable 8500% return. Furthermore, Mutuum Finance has launched a dashboard showcasing the top 50 holders, rewarding them with bonus tokens for maintaining their positions.Innovative DeFi Lending SolutionsMutuum Finance (MUTM) is redefining decentralized lending with its dual-model approach. The peer-to-contract system is leveraging smart contracts to automate lending, ensuring dynamic interest rates that adapt to market conditions. This is creating a stable environment for lenders and borrowers. The peer-to-peer model is enabling direct transactions, offering flexibility for volatile assets. These systems are delivering transparency and customization, surpassing traditional centralized platforms. Moreover, Mutuum Finance has finalized a CertiK audit, achieving a 95.00 security score with no vulnerabilities in its smart contracts. In addition, a $50,000 USDT bug bounty program, partnered with CertiK, is rewarding discoveries across critical, major, minor, and low severity tiers.Stablecoin and Scalability AmbitionsMutuum Finance (MUTM) is developing a fully collateralized USD-pegged stablecoin on Ethereum, minimizing depegging risks compared to algorithmic alternatives. This stablecoin is enhancing liquidity, enabling seamless transactions within the ecosystem. It is supporting peer-to-contract agreements and staking collateral without price volatility exposure. Additionally, Mutuum Finance is pursuing Layer 2 solutions to reduce gas fees and improve transaction speeds. This scalability is preparing the platform for global adoption. Meanwhile, a $100,000 MUTM giveaway is exciting investors, with 10 winners each receiving $10,000 in tokens. Participation requires a $50 minimum presale investment and completing specific quests, boosting engagement.Final Thoughts: Capitalizing on Crypto Market ShiftsThe crypto market is evolving, with institutional confidence reducing reliance on cyclical patterns. Mutuum Finance (MUTM) is capitalizing on this shift, offering a protocol with tangible utility. Its mtToken system is rewarding depositors with tokenized assets that accrue interest and enable trading within the platform. Token buybacks are fueling staking rewards, benefiting long-term holders. Compared to Bitcoin and Ethereum, which face scalability challenges, Mutuum Finance is prioritizing efficiency and accessibility. Investors are eyeing crypto investments with strong fundamentals, and Mutuum Finance is delivering through its audited infrastructure and innovative features. For those seeking which crypto to buy today for long-term gains, Mutuum Finance is a compelling option. Join the presale to explore its potential.For more information about Mutuum Finance (MUTM) visit the links below:Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance The post Top Altcoin To Buy Today For Long-Term As Bitwise CIO Declares Four-Year Crypto Cycle Dead appeared first on Blockonomi.